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Tomcats seem to be either good out of the box (mine was) or problematic. I'd say give it a 100 rounds or so and see if it works out. Mine goes bang every time, but I've broken two sets of grips with normal use. I've heard some say that the mag doesn't hold the last round in very well and this causes a feeding issue on the last round, but I haven't heard of anyone having stove pipes. The entire top of the slide is open so it makes a stove pipe less likely. However, maybe the lack of an ejector negates that. I've never had a stove pipe on mine. Make sure that she doesn’t mix hollow points and FMJ. The .32 Auto round has a slightly raised rim on the case and the mixed rounds will lock-up in the magazine and cause feeding issues. What ammo was she using?

You mention that she likes to cock the hammer before racking the slide. There should be no reason to ever rack the slide (short of a stove pipe or feeding issue). You can tip the barrel up for chambering and un-chambering a round and that eliminates the need to rack the slide.

The Tomcat does not have a firing pin safety, so I would not carry it cocked and locked (it does have a half cocked notch for drop safety). The safety is little more than trigger bar block and it doesn't even disconnect the trigger bar. I carry mine with one in the pipe and the hammer down with the safety on; however, in this configuration it could go boom if dropped. Another note about the Tomcat is that it doesn't like to be dry fired. The firing pin will break.